Virtual card service system and method

ABSTRACT

A virtual card service system and method are disclosed that include a mobile communication terminal for transmitting an amount of withdrawal money and a withdrawal term for a virtual cash card to the virtual card service system, a virtual cash card system for receiving the amount of withdrawal money and the withdrawal term from the mobile communication terminal, verifying whether the withdrawal money is deposited in a parent account corresponding to the virtual cash card, storing information on the amount of withdrawal money and withdrawing term if the withdrawal money is deposited in the parent account, and informing the mobile communication terminal of authentication, and an ATM for receiving a virtual cash card identifying information, verifying whether the information is within the withdrawal term stored in the virtual cash card system, and withdrawing the amount of withdrawal money from the parent account.

TECHNICAL FIELD

The present invention relates to a card service, and in particular, to asystem and method of providing a virtual card service.

BACKGROUND ART

In general, a common card service includes a credit card service and acash card service.

Explaining the credit card service in brief, the credit card readerreads information on the credit card presented by a client to pay theprice of goods. The credit card reader provides a credit card companywith the read information on the credit card and the information relatedto the payment inputted by an employee of a member shop to make arequest for authentication. The credit card company performs theauthentication based on the information on the credit card and theinformation related to the payment, and then informs of theauthentication. If the authentication is normally performed, the creditcard reader prints a sales slip of the credit card, and the client signshis/her name. If the signature is completed, the client receives onesheet of sales slip, so that the payment process using the credit cardis completed.

Although the payment method using the credit card is widely used due toits convenience, a user is in danger, such as dual sale, using bystealth, loss or the like.

Explaining the cash card service in brief, an ATM reads the informationon the cash card corresponding to a financial account, and provides afinancial data base system with a password inputted by the client. TheATM performs the authentication based on the information on the cashcard and the password, and then presents cash requested by the clientfrom the account of the client and prints a detailed account.

Since many clients have to use the ATM for the cash card service, thecash card service needs an extended waiting time, and the password maybe exposed.

Accordingly, the art demands the development of a card service in whichits use is convenient and its security is excellent.

DISCLOSURE OF THE INVENTION

Therefore, an object of the present invention is to solve the problemsinvolved in the prior art, and to provide a system and method ofproviding a virtual card service, in which a virtual card can withdrawan amount of money determined by a client, or can perform creditpayment, within a term determined by the client, thereby preventing thecard from being used by stealth or from being lost.

Another object of the present invention is to provide a system andmethod of providing a virtual card service, in which card identifyinginformation for a virtual card is easily inputted to an ATM, therebyreducing a usage time of the ATM and minimizing exposure of personalinformation.

Still another object of the present invention is to provide a system andmethod of providing a virtual card service, in which security can bemaintained by a virtual card and the virtual card can be easily used.

Still another object of the present invention is to provide a system andmethod of providing a virtual card service, in which security can bemaintained by a virtual card and the virtual card can be easily used.

In order to accomplish the above mentioned objects, the presentinvention provides a virtual card service system comprising: a mobilecommunication terminal for transmitting an amount of withdrawal moneyand a withdrawing term for a virtual cash card to the virtual cardservice system; a virtual cash card system for receiving the amount ofwithdrawal money and the withdrawing term from the mobile communicationterminal, verifying whether the withdrawal money is deposited in aparent account corresponding to the virtual cash card, storinginformation on the amount of withdrawal money and withdrawing term ifthe withdrawal money is deposited in the parent account, and informingthe mobile communication terminal of authentication; and an ATM forreceiving a virtual cash card identifying information, verifying whetherthe information is within the withdrawing term stored in the virtualcash card system, and withdrawing the amount of withdrawal money fromthe parent account.

It is to be understood that both the foregoing general description andthe following detailed description of the present invention areexemplary and explanatory and are intended to provide furtherexplanation of the present invention as claimed.

BRIEF DESCRIPTION OF THE DRAWINGS

The above objects, other features and advantages of the presentinvention will become more apparent by describing the preferredembodiment thereof with reference to the accompanying drawings, inwhich:

FIG. 1 is a schematic view of a system of providing a virtual cardservice according to a preferred embodiment of the present invention;

FIG. 2 is a schematic view of an ATM according to a preferred embodimentof the present invention;

FIG. 3 is a schematic view of a credit card reader according to apreferred embodiment of the present invention;

FIG. 4 is a view indicating a process for issuing a virtual cardaccording to a preferred embodiment of the present invention;

FIGS. 5 to 7 are flowcharts showing a method of providing a virtual cashcard service according to a preferred embodiment of the presentinvention;

FIG. 8 is a view indicating a process of processing virtual cash cardinformation according to a preferred embodiment of the presentinvention;

FIGS. 9 to 11 are flowcharts showing a method of providing a virtualcredit card service according to a preferred embodiment of the presentinvention;

FIG. 12 is a view indicating a process for processing virtual creditcard information according to a preferred embodiment of the presentinvention;

FIGS. 13 to 15 are views indicating a process of a virtual card serviceaccording to a preferred embodiment of the present invention; and

FIG. 16 is a view indicating a process for servicing a plurality ofvirtual cards according to a preferred embodiment of the presentinvention.

BEST MODE FOR CARRYING OUT THE INVENTION

Reference will now be made in detail to the preferred embodiments of thepresent invention; examples of which are illustrated in the accompanyingdrawings.

A virtual card service system according to a preferred embodiment of thepresent invention provides a virtual cash card service and a virtualcredit card service. FIG. 1 is a schematic view of the virtual cardservice system.

The virtual cash card system 100 regulates an amount of withdrawal moneyand a withdrawing term of a virtual cash card connected with a parentaccount according to a request of a client who communicates with thevirtual cash card system via a mobile communication terminal 108. Thevirtual cash card system 100 authenticates the client through thevirtual cash card, and allows an ATM 104 to provide the client with thewithdrawal money within the withdrawing term. The virtual cash cardsystem 100 is connected to monetary banking facilities 112 via a networkin order to inquire for a deposit of the parent withdrawing account orto restrict the withdrawing. The ATM 104 provides the virtual cash cardservice according to the preferred embodiment of the present invention,as well as providing a common financial automatization service.

Referring to FIG. 2 indicating a block diagram of the ATM 104, the ATM104 includes a control unit 200 for providing the common financialautomatization service and the virtual cash card service, a userinterface 202 for interfacing between the client and the control unit200 via a key pad or a touch panel, a virtual cash card identifyinginformation reading unit 204 for reading virtual cash card identifyinginformation stored in the mobile communication terminal 108, a memory206 for storing a processing program of the control unit 200 and variousset information, and a network interface 208 for interfacing between themonetary facilities and the virtual cash card system 100 via a network.

The mobile communication terminal 108 can infrared-transmit the virtualcash card identifying information to the ATM 104, wherein the virtualcash card identifying information reading unit 204 is an infraredreceiver. A bar-code corresponding to the virtual cash card identifyinginformation may be attached to a proper position of the mobilecommunication terminal 108, wherein the virtual cash card identifyinginformation reading unit 204 may be a bar-code reader. A magnetic taperecording the virtual cash card identifying information may be recordedon a proper position of the mobile communication terminal 108, whereinthe virtual cash card identifying information reading unit 204 may be acard reader. An IC chip recording the virtual cash card identifyinginformation may be attached to a proper position of the mobilecommunication terminal 108, wherein the virtual cash card identifyinginformation reading unit 204 may be an IC chip reader.

The virtual credit card system 102 regulates an amount of purchase moneyand a purchasing term of a virtual credit card connected with a parentcredit card according to a request of the client who communicates withthe virtual credit card system via the mobile communication terminal108. The virtual credit card system 102 authenticates the client throughthe virtual credit card to pay the purchase money within the purchasingterm through a credit card paying unit 106.

The credit card paying unit 106 provides a common credit card payingservice and a virtual credit card service according to the preferredembodiment of the present invention. Referring to FIG. 3 indicating ablock diagram of the credit card paying unit 106, the credit card payingunit 106 includes a control unit 300 for providing the common creditcard paying service and the virtual credit card service, a userinterface 302 for interfacing between a client of a member shop and thecontrol unit 300 via a key pad or a touch panel, a virtual credit cardidentifying information reading unit 304 for reading virtual credit cardidentifying information stored in the mobile communication terminal 108,a memory 306 for storing a processing program of the control unit 300and various set information, and a network interface 308 for interfacingbetween a credit card company 110 and the virtual credit card system 102via a network.

The mobile communication terminal 108 can infrared-transmit the virtualcredit card identifying information to the credit card paying unit 106,wherein the virtual credit card identifying information reading unit 304is an infrared receiver. A bar-code corresponding to the virtual creditcard identifying information may be attached to a proper position of themobile communication terminal 108, wherein the virtual credit cardidentifying information reading unit 304 may be a bar-code reader. Amagnetic tape recording the virtual credit card identifying informationmay be recorded on a proper position of the mobile communicationterminal 108, wherein the virtual credit card identifying informationreading unit 304 may be a card reader. An IC chip recording the virtualcredit card identifying information may be attached to a proper positionof the mobile communication terminal 108, wherein the virtual creditcard identifying information reading unit 304 may be an IC chip reader.

The mobile communication terminal 108 includes set programs andinformation to receive the virtual cash card service or the virtualcredit card service according to the preferred embodiment of the presentinvention. In addition, the mobile communication terminal 108 providesthe ATM 104 with the virtual cash card identifying information, orprovides the credit card paying unit 106 with the virtual credit cardidentifying information. A method of providing the virtual cash cardidentifying information or the virtual credit card identifyinginformation utilizes an infrared communication, a bar-code, a magnetictape or an IC chip.

A virtual card service method according to one preferred embodiment ofthe present invention applicable to the virtual card service system willnow be described in detail.

First, in order to utilize the virtual card service according to thepreferred embodiment of the preset invention, the client files theapplication for the virtual cash card or the virtual credit card withthe monetary facilities. The monetary facilities provide the client withthe virtual cash card or the virtual credit card in response to theapplication of the client.

The information necessary for providing the virtual cash card servicemay include a client's ID, the virtual cash card identifyinginformation, a parent account number, an available term of the parentaccount, an amount of the withdrawal money, a withdrawing term, apassword and so forth. The client's ID and the virtual cash cardidentifying information are shared with the mobile communicationterminal 108 and the virtual cash card system 100. The parent accountnumber, the available term of the parent account and the password areregistered in the virtual cash card system 100. The amount of withdrawalmoney and the withdrawing term are shared with the mobile communicationterminal 108 and the virtual cash card system 100, only when the clientutilizes the service. The information necessary for providing thevirtual credit card service may include a client's ID, the virtualcredit card identifying information, a parent credit card number, anavailable term of the parent credit card, an amount of the purchasemoney, the purchasing term, a password, a member shop number and soforth. The client's ID and the virtual credit card identifyinginformation are shared with the mobile communication terminal 108 andthe virtual credit card system 102. The parent credit card number, theavailable term of the parent credit card and the password are registeredin the virtual credit card system 102. The amount of purchase money, thepurchasing term and the member shop number are shared with the mobilecommunication terminal 108 and the virtual credit card system 102, onlywhen the client utilizes the service.

When the monetary facilities give the virtual cash card or the virtualcredit card to the client, they directly provide the mobilecommunication terminal of the client with the virtual cash cardidentifying information or the virtual credit card identifyinginformation, or can attach the bar-code, the magnetic tape or the ICchip, in which the virtual cash card identifying information or thevirtual credit card identifying information is recorded, to the mobilecommunication terminal of the client.

The method of servicing the virtual cash card will now be described withreference to FIGS. 5 to 7. The client wanting to receive the virtualcash card service runs the virtual cash card set program of the mobilecommunication terminal 108 to set the amount of withdrawal money and thewithdrawing term, and then inputs the password (steps S400 to S404). Themobile communication terminal 108 transmits the amount of withdrawalmoney, the withdrawing term, the password and the virtual cash cardidentifying information which are inputted by the client to the virtualcash card system 100, and makes a request for authentication (stepS406). If the virtual cash card system 100 informs the mobilecommunication terminal 108 of the authentication after requesting theauthentication, the mobile communication terminal 108 displays that theclient may verify authentication particulars (steps S408 and S410).

If the mobile communication terminal 108 is adapted to transmit thevirtual cash card identifying information via the infraredcommunication, when the mobile communication terminal 108 is connectedto the ATM 104, the mobile communication terminal transmits the virtualcash card identifying information to the ATM 104 (steps S412 and S414).

The process of the virtual cash card system 100 according to theauthentication request of the mobile communication terminal 108 will nowbe described with reference to FIG. 6.

If the mobile communication terminal 108 makes a request forauthentication (step S500), the virtual cash card system 100authenticates the virtual cash card identifying information on theinterested client, and connects to the monetary facilities 112 to verifywhether an amount of money to be withdrawn is deposited in the parentaccount corresponding to the virtual cash card of the client (stepS502). If the amount of money to be withdrawn has been deposited in theparent account, the virtual cash card system 100 adds the information onthe amount of withdrawal money and withdrawing term into the informationon the interested virtual cash card (step S504). The information on thevirtual cash card service system 100 includes the client's ID, thevirtual cash card identifying information, the parent account number,the available term of the parent account, the amount of the withdrawalmoney, the withdrawing term, and the password, as shown in FIG. 8 a. Thewithdrawal money and the withdrawing term are initialized to zero. Ifthe withdrawal money and the withdrawing term are provided uponrequesting authentication, as shown in FIG. 8 b, the virtual cash cardsystem 100 adds the withdrawal money and the withdrawing term into theinformation on the virtual cash card, as shown in FIG. 8 c.

If the information on the virtual cash card is provided with thewithdrawal money and the withdrawing term, the virtual cash card system100 requests the monetary facilities 112 that the withdrawal money isnot withdrawn from the parent account via other medium during thewithdrawing term.

As described above, after the withdrawal money and the withdrawing termare added into the information on the virtual cash card, the virtualcash card system 100 informs the mobile communication terminal 108 ofthe authentication (step S506). Then, if the withdrawal money iswithdrawn within the withdrawing term, the virtual cash card system 100initializes the information with respective to the withdrawal money andwithdrawing term. Even if the withdrawing term has expired and thewithdrawal money is not withdrawn, the virtual cash card system 100initializes the information with respective to the withdrawal money andwithdrawing term of the virtual cash card. The virtual cash card system100 initializes the information with respective to the withdrawal moneyand withdrawing term of the virtual cash card identifying information,and simultaneously, requests the monetary facilities 112 to cancel thewithdrawing restriction of the parent account (steps S508 to 512).

Explaining the process of the ATM 104 according to the preferredembodiment of the present invention with reference to FIG. 7, if the ATM104 receives the virtual cash card identifying information within thewithdrawing term predetermined by the client (step S600), the ATM 104verifies whether the effective term is within the withdrawing term ofthe interested virtual cash card with reference to the information onthe virtual cash card of the virtual cash card system 100. If yes, theATM provides the client with the withdrawing service and outputs arecord sheet of the transaction (step S602). The virtual cash cardidentifying information may be inputted through the virtual cash cardidentifying information reading unit 204 or by key manipulation by theuser.

The method of servicing the virtual credit card will now be describedwith reference to FIGS. 9 to 11.

The client of the virtual credit card runs the virtual credit card setprogram of the mobile communication terminal 108 to set the amount ofpurchase money and the purchasing term, and then inputs the password(steps S700 to 704). The mobile communication terminal 108 transmits theamount of purchase money, the purchasing term, the password and thevirtual credit card identifying information to the virtual credit cardsystem 102, and makes a request for authentication (step S706). If thevirtual credit card system 102 informs the mobile communication terminal108 of the authentication after requesting the authentication, themobile communication terminal 108 display that the client may verifyauthentication particulars (steps S708 and S710).

If the mobile communication terminal 108 is adapted to transmit thevirtual cash card via the infrared communication, when the mobilecommunication terminal 108 is connected to the ATM 104, the mobilecommunication terminal transmits the virtual cash card to the ATM 104(steps S712 and S714).

The process of the virtual credit card system 102 according to theauthentication request of the mobile communication terminal 108 will nowbe described with reference to FIG. 10.

If the mobile communication terminal 108 makes the request forauthentication (step S800), the virtual credit card system 102authenticates the virtual credit card identifying information on theinterested client, and connects to the credit card company 110 toperform the authentication of the parent credit card corresponding tothe virtual credit card of the client (step S802). The virtual creditcard system 100 adds the information on the amount of purchase money andpurchasing term into the information on the virtual credit card (stepS804). The information on the virtual credit card service system 102includes the client's ID, the virtual credit card identifyinginformation, the parent credit card number, the available term of theparent credit card, the amount of purchase money, and the purchasingterm, as shown in FIG. 12 a. The purchase money and the purchasing termare initialized to zero. If the purchase money and the purchasing termare provided upon requesting the authentication, as shown in FIG. 12 b,the virtual credit card system 102 adds the purchase money and thepurchasing term into the information on the virtual credit card, asshown in FIG. 12 c.

If the information on the virtual credit card is provided with thepurchase money and the purchasing term, the virtual credit card system102 informs the mobile communication terminal 108 of the authentication(step S806). Then, if the purchase money is paid within the purchasingterm, the virtual credit card system 102 initializes the information onthe purchase money and purchasing term of the virtual credit card. Evenif the purchase money is not paid and the purchasing term is expired,the virtual credit card system 100 initializes the information withrespective to the purchase money and purchasing term of the virtualcredit card identifying information.

Explaining the process of the credit card reader 106 according to thepreferred embodiment of the present invention with reference to FIG. 11,if the credit card reader 106 receives the virtual credit cardidentifying information within the purchasing term predetermined by theclient (step S900), reads the virtual credit card of a plastic card(step S900), or receives the virtual credit card identifying information(step S904), the credit card reader 106 verifies whether the effectiveterm is within the purchasing term of the interested credit card withreference to the virtual credit card information on the virtual creditcard system 102. If yes, the credit card reader provides the card payingservice corresponding to the interested purchase money and outputs arecord sheet of the transaction (step S906).

The process of servicing the virtual cash card according to onepreferred embodiment of the present invention will now be described fromthe standpoint of the client with reference to FIG. 13.

The client sets the withdrawal money and withdrawing term of the virtualcash card with reference to the virtual cash card setting guidancedisplayed on a display window of the mobile communication terminal, andinputs the password of the account to request the virtual cash cardsystem to withdraw the money. In response to the request for withdrawal,the virtual cash card system requests from the client the number of thesecurity card, and then the client inputs the number of security card byuse of the mobile communication terminal. The mobile communicationterminal transmits the number of the security card inputted by theclient, and the virtual cash card system performs the user certificationthrough the number of the security card. If the user certification issuccessful, the virtual cash card system adds the amount of withdrawalmoney and the withdrawing term into the virtual cash card, and providesthe mobile communication terminal with a message of authenticationcertification. The mobile communication terminal displays that theclient may withdraw the amount of the withdrawal money within thewithdrawing term in response to the certification.

If the client inputs the virtual cash card identifying information inquestion into the ATM to withdraw the money, the virtual cash cardsystem initializes the amount of withdrawal money and the withdrawingterm among the information on the virtual cash card.

The process of servicing the virtual credit card according to onepreferred embodiment of the present invention will now be described fromthe standpoint of the client with reference to FIGS. 14 and 15.

The client inputs the amount of purchase money, the purchasing term, andthe password by use of the mobile communication terminal to request thevirtual credit card system to pay the purchase. The virtual credit cardsystem performs the certification for the client according to thepayment request. If the certification is successful, the amount ofpurchase money and purchasing term selected by the client are added tothe virtual credit card information, and the mobile communicationterminal displays that the client may use the virtual credit card. Ifthe client requests payment through the credit card reader within thepurchasing term, the virtual credit card system connects to the creditcard company to obtain the user certification and the certificationnumber for the parent credit card and thus provide the credit cardreader with them. The credit card reader provided with the certificationnumber prints a sales slip. The virtual credit card system initializesthe amount of purchase money and purchasing term of the virtual creditcard information, after the transmission of the certification number iscompleted.

Meanwhile, in order to designate a member shop to receive virtual creditcard service, the client inputs the amount of purchase money, thepurchasing term, the password, and member shop's number by use of themobile communication terminal to request the virtual credit card systemto pay the purchase. The virtual credit card system performs thecertification for the client and the member shop according to thepayment request. If the certification is successful, the amount ofpurchase money and purchasing term selected by the client are added tothe virtual credit card information, and the virtual credit card systemrequests the credit card company to transmit the user certification andthe certification number. If the certification number is provided fromthe credit card company, the virtual credit card system provides theinterested member shop with the certification number. The credit cardreader provided with the certification number prints a sales slip. Thevirtual credit card system initializes the amount of purchase money andpurchasing term of the virtual credit card information, after thetransmission of the certification number is completed.

Contrary to the above embodiment, one parent account or one parentcredit card may be provided with a plurality of virtual cards, whichwill be described with reference to FIG. 16.

A master virtual card user terminal A and a plurality of slave virtualcard user terminals B1 to BN are supplied with one or more virtualcards, respectively. The master virtual card user terminal A isconnected to the plurality of slave virtual card user terminals B1 toBN. In response to the request of many slave virtual card user terminalsB1 to BN, the user of the master virtual card user terminal A selects anamount of usage money and a using term for any one of the plurality ofslave virtual cards, and asks the virtual card system C to requestauthentication. Upon request, the virtual card system C certifies theparent account or parent credit card of the master card. If thecertification is successful, the virtual card system C stores an amountof usage money and the using term in the information on the selectedslave virtual card among the plurality of slave virtual cards, and theninforms the master virtual card user terminal A and the selected slavevirtual card user terminal of the certification. After informing of theauthentication, if the identifying information on the selected slavevirtual card is inputted to the credit card reader or the ATM within theusing term, the credit card is paid or the withdrawal is carried out.

While the present invention has been described and illustrated hereinwith reference to the preferred embodiments thereof, it will be apparentto those skilled in the art that various modifications and variationscan be made therein without departing from the spirit and scope of theinvention. Thus, it is intended that the present invention covers allmodifications and variations of this invention that come within thescope of the appended claims and their equivalents.

INDUSTRIAL APPLICABILITY

With the above description, according to the present invention, thevirtual card can withdraw an amount of money determined by the client,or can pay by credit, within a term determined by the client, therebypreventing the card from being used by stealth or from being lost.Further, the card identifying information for the virtual card is easilyinputted to an ATM, thereby reducing the usage time of the ATM andminimizing exposure of personal information.

In addition, the present invention has another advantage in thatsecurity can be maintained by the virtual card and the virtual card canbe easily used.

1. A virtual card service system comprising: a mobile communicationterminal for transmitting an amount of withdrawal money and awithdrawing term for a virtual cash card to the virtual card servicesystem; a virtual cash card system for receiving the amount ofwithdrawal money and the withdrawing term from the mobile communicationterminal, verifying whether the withdrawal money is deposited in aparent account corresponding to the virtual cash card, storinginformation on the amount of withdrawal money and withdrawing term ifthe withdrawal money is deposited in the parent account, and informingthe mobile communication terminal of authentication; and an ATM forreceiving a virtual cash card identifying information, verifying whetherthe information is within the withdrawing term stored in the virtualcash card system, and withdrawing the amount of withdrawal money fromthe parent account; wherein, if the amount of withdrawal money and thewithdrawing term are provided from the terminal, the virtual cash cardsystem adds the amount of withdrawal money and the withdrawing term intoinformation on a virtual cash card of which an amount of withdrawalmoney and a withdrawing term are initialized, and initializes the amountof withdrawal money and the withdrawing term of the virtual cash cardinformation, if the amount of withdrawal money is withdrawn within thewithdrawing term or the withdrawing term is expired.
 2. The virtual cardservice system as claimed in claim 1, wherein if a withdrawal request isnot performed through the virtual cash card identifying information, thevirtual cash card system requests monetary facilities so that the storedamount of withdraw money is not withdrawn from the parent account duringthe stored withdraw term.
 3. The virtual card service system as claimedin claim 1, wherein the virtual cash card identifying information isinput through a wireless communication of the terminal, is read from abar-code, a magnetic tape or an IC chip, which are attached to theterminal, or is input by a key input of a client.
 4. A virtual cardservice system comprising: a mobile communication terminal fortransmitting an amount of purchase money and a purchasing term for avirtual credit card to the virtual card service system; a virtual creditcard system for receiving the amount of purchase money and thepurchasing term from the mobile communication terminal, authenticating aparent credit card corresponding to the virtual credit card, storinginformation on the amount of purchase money and purchasing term if theauthentication is successful, and informing the mobile communicationterminal of the authentication; and a credit card reader for receiving avirtual credit card identifying information, verifying whether theinformation is within the purchasing term stored in the virtual creditcard system, and paying the amount of purchase money using the parentcredit card, wherein if the amount of purchase money and the purchasingterm are provided from the terminal; the virtual credit card system addsthe amount of purchase money and the purchasing term into information ona virtual credit card of which an amount of purchase money and apurchasing term are initialized, and initializes the amount of purchasemoney and the purchasing term of the virtual credit card information, ifthe amount of purchase money is withdrawn within the purchasing term orthe purchasing term is expired.
 5. The virtual card service system asclaimed in claim 4, wherein the virtual credit card identifyinginformation is input through a wireless communication of the terminal,is read from a bar-code, a magnetic tape or an IC chip, which areattached to the terminal, or is input by a key input of a client.
 6. Avirtual card service method comprising the steps of: transmitting anamount of withdrawal money and a withdrawing term for a virtual cashcard to a virtual cash card system through a user terminal; if theamount of withdrawal money and the withdrawing term are provided to thevirtual cash card system, verifying whether the withdrawal money isdeposited in a parent account corresponding to the virtual cash card,storing infonnation on the amount of withdrawal money and withdrawingterm if the withdrawal money is deposited in the parent account, andinforming the user terminal of authentication; and if a virtual cashcard identifying information is inputted to an ATM after informing ofthe authentication, verifying whether the information is within thestored withdrawing term, and withdrawing the amount of withdrawal moneyfrom the parent account if the information is within the storedwithdrawing term.
 7. A virtual card service method comprising the stepsof: transmitting an amount of purchase money and a purchasing term for avirtual credit card system through a user terminal; if the amount ofpurchase money and the purchasing term are provided to the virtualcredit card system, authenticating a parent credit card corresponding tothe virtual credit card, storing information on the amount of purchasemoney and purchasing term if the authentication is successful, andinforming the user terminal of the authentication; and if a virtualcredit card identifying information is inputted to a credit card reader,verifying whether the information is within the purchasing term storedin the virtual credit card system, and paying the amount of purchasemoney using the parent credit card.
 8. A virtual card service methodcomprising the steps of: transmitting an amount of purchase money and apurchasing term for a virtual credit card and information on a membershop to a virtual credit card system through a user terminal; if theamount of purchase money, the purchasing term and the information onmember shop are provided to the virtual credit card system,authenticating the member shop corresponding to the information on themember shop and a parent credit card corresponding to the virtual creditcard, storing information on the amount of purchase money and purchasingterm if the authentication is successful, and informing the userterminal of the authentication; and instructing the credit card readerinstalled in the member shop to print a sales slip containing purchasingparticulars, after the authentication.
 9. A virtual card service systemcomprising: a user terminal for transmitting an amount of usage moneyand a using term for any one of a plurality of virtual cards from a userof a master card among a plurality of virtual cards assigned to oneparent account or one parent credit card to the virtual card servicesystem; a virtual card system for receiving the amount of usage moneyand the using term for the selected virtual card from the user terminal,authenticating the parent account or the parent credit cardcorresponding to the master card, storing information on the amount ofusage money and using term for the selected virtual card if theauthentication is successful, and informing the user terminal of theauthentication; and a card service machine for receiving an identifyinginformation on the selected virtual card, verifying whether theinformation is within the using term stored in the virtual card system,and withdrawing or paying the amount of usage money.
 10. The virtualcard service system as claimed in claim 9, wherein the user terminaltransmits the selected amount of usage money and the selected using termfor the virtual card in question according to an authentication requestfrom any one of the plurality of virtual cards.
 11. A virtual cardservice method comprising the steps of: transmitting a selected amountof usage money and a selected using term for any one of a plurality ofvirtual cards assigned to one parent account or one parent credit cardfrom a user terminal of a master card to the virtual card servicesystem; receiving the amount of usage money and the using term for theselected virtual card from the user terminal, authenticating the parentaccount or the parent credit card corresponding to the master card,storing information on the amount of usage money and using term for theselected virtual card if the authentication is successful, and informingthe user terminal of the authentication; and receiving identifyinginformation on the selected virtual card, verifying whether theinformation is within the using term stored in the virtual card system,and withdrawing or paying the amount of usage money.
 12. The virtualcard service method as claimed in claim 11, wherein the user terminaltransmits the selected amount of usage money and the selected using termfor the virtual card in question according to an authentication requestfrom any one of the plurality of virtual cards.